Good question.
Unfortunately, our XForms are currently tied to our web client and create content wizard. We intend to open that up via a web-script-based web component you can embed in your web pages (where you can customize the presentation layer), but that is a 2008 roadmap item not currently scheduled for development.
In the meantime, what you can do is write your own web form and write the content back to either (a) a sandbox on your authoring server or (b) a special AVM store you create for user-generated content on your live server. If you do option B, do make certain *not* to write to the AVM store we deploy your Staging snapshots too … that's because we sync that live repo with the staging repo on your authoring server - meaning, content may get removed when the server syncs. Your live site can easily search or render content from both the live store and the UGC store … it's just another repo, after all.
Hope that helps.
Kevin